Southpoint Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Southpoint Bank of Birmingham, AL against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -3.28% | 1.44% | -4.72% | 0th bottom |
| ROAE | -41.56% | 12.56% | -54.12% | 0th bottom |
| Net Interest Margin | 3.08% | 3.84% | -0.76% | 17th bottom |
| Efficiency Ratio | 69.07% | 58.86% | +10.21% | 22nd bottom |
| PPNR / Avg Assets | 1.06% | 1.78% | -0.72% | 18th bottom |
| Yield on Earning Assets | 5.84% | 5.71% | +0.13% | 68th above |
| Cost of Funds | 2.70% | 2.03% | +0.67% | 15th bottom |
| Net Interest Spread | 2.56% | 3.18% | -0.62% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.66% | 0.96% | +2.70% | 3rd bottom |
| NPA / Total Assets | 3.29% | 0.74% | +2.55% | 2nd bottom |
| NCO / Avg Loans | 8.46% | 0.30% | +8.16% | 0th bottom |
| ACL / Total Loans | 2.74% | 1.25% | +1.49% | 98th top |
| ACL / NPLs (Coverage) | 74.86% | 699.53% | -624.67% | 18th bottom |
| Texas Ratio | 37.59% | 7.13% | +30.46% | 1st bottom |
| Provision / NCO | 106.69% | 815.47% | -708.78% | 37th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 8.91% | 17.42% | -8.51% | 0th bottom |
| Tier 1 Ratio | 8.91% | 17.46% | -8.55% | 0th bottom |
| Total Capital Ratio | 10.18% | 18.51% | -8.33% | 0th bottom |
| Leverage Ratio | 6.86% | 11.60% | -4.74% | 0th bottom |
| Equity / Assets | 7.68% | 11.33% | -3.65% | 5th bottom |
| TCE / Tangible Assets | 6.72% | 10.65% | -3.93% | 3rd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.38% | 86.35% | -0.97% | 58th above |
| Core Deposit Ratio | 60.06% | 85.58% | -25.52% | 3rd bottom |
| Uninsured Deposit Ratio | 13.26% | 32.73% | -19.47% | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -18.77% | 10.49% | -29.26% | 0th bottom |
| Loan Growth (Y/Y) | -26.11% | 8.03% | -34.14% | 1st bottom |
| Deposit Growth (Y/Y) | -18.82% | 8.01% | -26.83% | 0th bottom |
See Southpoint Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Southpoint Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Southpoint Bank profile, how to read a UBPR, or how this data updates.